Retirement Planning

Most federal employees focus on how much they’ve saved for retirement. Far fewer consider how market performance unfolds after they begin withdrawals, and that distinction can have a lasting impact. Sequence of returns risk is the danger that poor market performance early…

Retirement planning advice is everywhere. Save 10 to 15 times your salary. Budget $300,000 or more for healthcare. Maximize your retirement contributions every year. For private-sector workers, that guidance is reasonable. For federal employees under FERS or CSRS, it can send you…

Retirement doesn't always align with age 59½ for federal employees, leaving many wondering how to tap into their Thrift Savings Plan (TSP) funds sooner without hefty penalties. The good news is, you can often avoid the standard 10% early withdrawal penalty if…

For federal workers, a strategic retirement plan has one primary objective: ensuring financial security in your golden years. To achieve this goal, the process involves analyzing the four fundamental elements of retirement: income, healthcare, taxes and estate planning. 1. Income Planning Income…